Cashback compounder.
2% on a card invested for decades.
2% cashback that auto-deposits and gets invested compounds quietly over decades. Enter your monthly card spend to see what your cashback becomes if invested rather than spent.
Worked example: $3,000/month card spend × 2% = $720/year cashback. $720/year invested at 7% real return for 30 years compounds to roughly $68,000. The card is invisible wealth-building: same spending, additional accumulation. The math depends on actually paying off the balance every month. At 20%+ APR, any carried balance erases years of cashback gains.
How this tool works
- Annual cashback = monthly spend × 12 × cashback rate.
- Future value of an ordinary annuity: PMT × ((1+r)^n - 1) / r, where PMT is annual cashback, r is annual return, n is years.
- The "cash kept" comparison assumes no return on the cashback (it sits in checking).
- This calculation requires you to actually invest the cashback automatically. Most people who plan to invest it do not. The Fidelity Rewards Visa deposits cashback into a Fidelity account; auto-investing into a fund (e.g., FZROX) takes one additional setting per Fidelity's current product documentation.
- Carrying a credit-card balance erases this math instantly. At 20%+ APR, any rolled-over balance costs more than the cashback earns. The 2% only works if you pay in full every month.
- Returns are nominal unless you've subtracted inflation from your assumption. The site uses 7% as a moderate long-run real return, 10% as a moderate long-run nominal return.
Not financial advice. The card and the cashback rate are real; verify current terms before opening any product.
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HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.